First Capital Bank in Kingfisher, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Capital Bank - Overview

  • General
  • FDIC Certificate #: 416
    Status: Active
    Federal Reserve ID: 3953
    Bank Holding Company (Regulatory Top Holder): Fcb Holdings, Inc. (RSSDID: 2324951, Location: Kingfisher, OK)
    Date Established: January 01, 1902
    WWW: http://www.fcbanker.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 17888
    FDIC's unique #: 321
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 15, 2011
    Last Structure Change Process Date: August 30, 2011
    Last Data Update: August 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 South Main Street, Kingfisher, OK 73750
    County: Kingfisher
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $53.3 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $51.0 mil
    Return on assets (ROA): -7.30% (-$3.9 mil)
    Quarterly return on assets: 1.71% ($0.9 mil)
    Return on Equity (ROE): -116.26% (-$2.3 mil)
    Quarterly return on equity: 53.96% ($1.1 mil)
    Net income: -$6.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -7.30% (-$3,892.4 mil)
    Quarterly Pretax return on assets: 1.71% ($911.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $53,320Total assets
  • $6,041Cash and due from depository institutions
  • $3,160Interest-bearing balances
  • $4Securities
  • $5,915Federal funds sold & reverse repurchase agreements
  • $32,075Net loans & leases
  • $2,139Loan loss allowance
  • $0Trading account assets
  • $2,163Bank premises and fixed assets
  • $5,727Other real estate owned
  • $0Goodwill and other intangibles
  • $53,320Life insurance assets
  • $1,395All other assets
  • $51,492Total liabilities and capital
  • $51,012Total liabilities
  • $34,973Total deposits
  • $51,012Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $266Trading liabilities
  • $0Other borrowed funds
  • $214Subordinated debt
  • $1,828All other liabilities
  • $1,828Total equity capital
  • $1,828Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,680Surplus
  • $-2,352Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,639Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,210Income earned, not collected on loans
  • $0Earning assets
  • $293Long-term assets (5+ years)
  • $41,154Average Assets, year-to-date
  • $1,593Average Assets, quarterly
  • $92,755Volatile liabilities
  • $53,951Insider loans
  • $39,846FHLB advances
  • $53,686Loans and leases held for sale
  • $177Unused loan commitments
  • $177Tier 1 (core) risk-based capital
  • $1,828Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,951Restructured Loans and leases
  • $351Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,935Total interest income
  • $572Total interest expense
  • $3,363Net interest income
  • $6,727Provision for loan and lease losses
  • $1,408Total noninterest income
  • $0Fiduciary activities
  • $599Service charges on deposit accounts
  • $0Trading account gains & fees
  • $809Additional noninterest income
  • $4,815Total noninterest expense
  • $1,846Salaries and employee benefits
  • $542Premises and equipment expense
  • $2,427Additional noninterest expense
  • -$6,771Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$6,771Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,771Net income attributable to bank
  • $0Net charge-offs
  • -$6,771Cash dividends
  • $7,366Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.12%Net interest margin
  • 1.73%Noninterest income to earning assets
  • 5.90%Noninterest expense to earning assets
  • -7.30%Net operating income to assets
  • -7.30%Return on assets (ROA)
  • -7.30%Pretax return on assets
  • -116.26%Return on equity (ROE)
  • -116.26%Retained earnings to average equity (YTD only)
  • 9.37%Net charge-offs to loans
  • 91.33%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 100,922Assets per employee
  • 3.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.25%Loss allowance to noncurrent loans
  • 19.08%Noncurrent assets plus other real estate owned to assets
  • 31.76%Noncurrent loans to loans
  • 32.76%Net loans and leases to deposits
  • 62.88%Net loans and leases to core deposits
  • 65.09%Equity capital to assets
  • 3.43%Core capital (leverage) ratio
  • 3.40%Tier 1 risk-based capital ratio
  • 4.59%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $92,755Average earning assets
  • $5,824Average equity
  • $81,599Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0321First Capital Bank601 South Main Street, Kingfisher, OK 73750January 01, 1902Full Service Brick and Mortar
1
David Dunn
Jan 14, 2022 @ 11:11 am
list of all board members from 2002- bank closing.

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